Your sporting career is one chapter. Your financial future goes on.
See what regular saving and a little more time could make possible.
Your starting amount. Zero is fine.
Use an amount you can comfortably set aside.
For example, when your playing career ends.
After payments stop, the balance stays invested.
An example, not a forecast. Try a lower return too.
Savings accounts may pay interest.
How quickly prices rise in this example.
Fund, platform or adviser costs you choose to model.
No account needed. Your financial entries stay on this page. We count anonymous usage, without recording your amounts.
Based on 8% a year, before fees. Returns are not guaranteed.
Save until 30. No withdrawals in this chart. Add retirement income below.
Illustrative, smooth growth. Real markets rise and fall.
Investments can fall in value. You could get back less than you put in. Keep money for bills and emergencies accessible.
In the later-start example, you make no monthly payments for the first 5 years. The difference includes £120,000 in payments and £419,793 less growth. Any starting amount stays in cash while you wait.
Prices can rise while your money sits still. At 2.5% yearly inflation, £288,000 in cash at age 40 would have roughly:
Cash has an important role in a financial plan. This comparison uses your selected 0% cash interest rate.
Choose a monthly income from age 30. See what could remain at 40.
This is the first monthly payment at retirement, before any tax.
Slider up to 10,000. Type a higher amount above.
The payment stays fixed. Its buying power can fall over time.
Change your retirement age, end age, return, costs and inflation in the main controls above.
All requested payments are covered to age 40 in this illustration. This does not establish that the income lasts for life.
Compare taking income, waiting to start saving, and leaving your pot untouched.
Same retirement age. Same requested income. Fewer years saving.
Income covered to age 40. Total income paid: £120,000.
Income covered to age 40. Total income paid: £120,000.
No withdrawals after retirement. The entire pot stays invested.
At age 40, starting later leaves £539,793 less in the pot and pays £0 less income. Missed savings are not caught up; any starting amount earns your selected cash rate while you wait.
Remaining pot in today’s buying power: £487,179. All other figures here are before inflation.
| Age | Income requested | Income paid | Pot remaining | Start now: no income | Later: income paid | Later: pot left |
|---|---|---|---|---|---|---|
| 30 | £0 | £0 | £471,919 | £471,919 | £0 | £221,890 |
| 31 | £12,000 | £12,000 | £497,238 | £509,672 | £12,000 | £227,208 |
| 32 | £24,000 | £24,000 | £524,584 | £550,446 | £24,000 | £232,950 |
| 33 | £36,000 | £36,000 | £554,116 | £594,482 | £36,000 | £239,152 |
| 34 | £48,000 | £48,000 | £586,012 | £642,040 | £48,000 | £245,851 |
| 35 | £60,000 | £60,000 | £620,459 | £693,404 | £60,000 | £253,085 |
| 36 | £72,000 | £72,000 | £657,662 | £748,876 | £72,000 | £260,898 |
| 37 | £84,000 | £84,000 | £697,841 | £808,786 | £84,000 | £269,336 |
| 38 | £96,000 | £96,000 | £741,234 | £873,489 | £96,000 | £278,449 |
| 39 | £108,000 | £108,000 | £788,099 | £943,368 | £108,000 | £288,291 |
| 40 | £120,000 | £120,000 | £838,713 | £1,018,837 | £120,000 | £298,920 |
An illustration, not a safe-income recommendation. Saving stops at retirement. The first withdrawal is one month later, after that month’s assumed growth and costs. Payments stop when the pot is empty; unmet income is shown as a shortfall. Tax and other income are not included. Returns are assumed constant. Real losses early in retirement can make the pot run out sooner, even with the same average return. Try a lower return and a longer time horizon too.
Set a target and see the monthly saving this example would need.
For 12 years, starting now, using the same assumptions.
This is an educational illustration, not personal advice, a forecast or a product recommendation. It shows the effect of the assumptions you choose, not the benefit of taking advice or joining KPO.
Learn more: Compound interest · Inflation and buying power
| Age | Paid in: now | Start now | Paid in: later | Start later | Cash |
|---|---|---|---|---|---|
| 18 | £0 | £0 | £0 | £0 | £0 |
| 19 | £24,000 | £24,868 | £0 | £0 | £24,000 |
| 20 | £48,000 | £51,725 | £0 | £0 | £48,000 |
| 21 | £72,000 | £80,731 | £0 | £0 | £72,000 |
| 22 | £96,000 | £112,057 | £0 | £0 | £96,000 |
| 23 | £120,000 | £145,889 | £0 | £0 | £120,000 |
| 24 | £144,000 | £182,428 | £24,000 | £24,868 | £144,000 |
| 25 | £168,000 | £221,890 | £48,000 | £51,725 | £168,000 |
| 26 | £192,000 | £264,509 | £72,000 | £80,731 | £192,000 |
| 27 | £216,000 | £310,538 | £96,000 | £112,057 | £216,000 |
| 28 | £240,000 | £360,249 | £120,000 | £145,889 | £240,000 |
| 29 | £264,000 | £413,936 | £144,000 | £182,428 | £264,000 |
| 30 | £288,000 | £471,919 | £168,000 | £221,890 | £288,000 |
| 31 | £288,000 | £509,672 | £168,000 | £239,641 | £288,000 |
| 32 | £288,000 | £550,446 | £168,000 | £258,813 | £288,000 |
| 33 | £288,000 | £594,482 | £168,000 | £279,518 | £288,000 |
| 34 | £288,000 | £642,040 | £168,000 | £301,879 | £288,000 |
| 35 | £288,000 | £693,404 | £168,000 | £326,030 | £288,000 |
| 36 | £288,000 | £748,876 | £168,000 | £352,112 | £288,000 |
| 37 | £288,000 | £808,786 | £168,000 | £380,281 | £288,000 |
| 38 | £288,000 | £873,489 | £168,000 | £410,703 | £288,000 |
| 39 | £288,000 | £943,368 | £168,000 | £443,560 | £288,000 |
| 40 | £288,000 | £1,018,837 | £168,000 | £479,044 | £288,000 |
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